How Much Can I Borrow in Sweden?
Fill in your net income, your savings and the interest rate you expect to see roughly how much you can borrow, the highest price you can afford and whether it is your income or your savings that sets the limit.
General values (Sweden). They don't account for regional rules or other costs that may apply. Check them with your lender or advisor.
More options
Enter your income, savings, interest rate and term.
A rough estimate with a fixed payment. Lenders will also look at your other debts and job stability.
Work out the mortgage for this home →Results are estimates. Solvemis accepts no responsibility for the results obtained or for how they are used. Always double-check the result and talk to a qualified professional before making decisions.
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How it works
How to use it
- Fill in your net income per month and your savings.
- Add the interest rate you expect and the term.
- Check the percentages for Sweden and change them if needed.
- See the maximum price, the breakdown and which limit applies.
How it is calculated
Two prices are calculated and the lower one applies. By income: the loan whose first monthly cost (with straight-line amortization, the highest) is the chosen share of income, plus savings, minus buying costs. By savings: the price at which your savings exactly cover what is not lent and the costs. The percentages are guide values for Sweden. A second applicant's income is added to yours; other debt payments count the way the country's rule counts them.
Sources
- Förslag på höjt bolånetak och slopande av skärpt amorteringskrav — Government Offices of Sweden
- Vad är lagfart och hur mycket kostar den? — Nordea
- KALP kalkyl – kvar att leva på — Ekonomifokus
About this calculator
How it is calculated
Buying a home has two limits at once. The first is the monthly cost, which has to fit your finances. The second is savings: with the mortgage cap at 90%, you pay at least 10% of the price yourself, plus the buying costs. The calculator works out the price each limit allows and picks the lower one.
What banks in Sweden look at
Banks make a «left to live on» calculation with a higher stress rate than today’s, include the cooperative fee, running costs and the amortization requirement, and look at other loans. That is why 30% of net income is only a guide value.
Buying costs in Sweden
If you buy a house you pay title registration (1.5% of the price) and possibly new mortgage deeds (2% of the amount). For a cooperative flat you pay neither. The 2% filled in is a general guide value: check it with your bank or adviser.
Frequently asked questions
What decides how expensive a home I can buy?
Two things at once: your income decides the highest monthly cost, and your savings have to cover the down payment and the buying costs. The calculator compares both limits and shows which one applies.
Why are the buying costs not part of the loan?
Title registration and mortgage deeds are paid with your own money, together with the down payment.
Net or gross income?
Net income per month is used here. Banks make their own calculation of what you have left to live on. If you are buying together, add your incomes.
What if we buy as a couple, or I already pay other loans?
Under «More options» you can add the second applicant's income, which is added to yours, and what you already pay each month for other loans, cards or leasing. In Sweden, the share of income covers all your debts, so those payments come off what is left for the mortgage.
Updated 20 October 2026
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